Some banks limit their fees to only the necessary, while others will charge you just to speak with a teller. That's why the financial site WalletHub analyzed the costs of banking with 25 major institutions to determine which are the most and least affordable.

The researchers there created different hypothetical spending profiles ranging from an old-school banker to a high-tech banker who often transfers funds internationally, and using those profiles they determined how much banking could cost annually for each type of customer.

Those costs ranged from $0 to about $700, with banking being most expensive for cash-strapped customers who overdraw their accounts often.

The gallery above (available here for mobile users) is ranked chronologically with the most affordable bank as No. 1 and the least affordable bank as No. 25.